This product information is for descriptive and educational purposes only and does not provide a complete summary of available coverage. The information is intended for use by licensed insurance producers and is not an offer to sell, or a solicitation to buy, any particular insurance product for a particular insured. Not all coverages are available in all states, and policy terms, conditions or exclusions may vary based upon individual state requirements. Issuance of a policy is subject to underwriting, and coverage depends upon the actual facts of each claim or circumstance and the terms, conditions and exclusions of each individual policy. No insurance product is offered or will be sold in any state in which such offer or solicitation would be unlawful. Coverages are underwritten in the U.S. by AXIS Insurance Company (NAIC # 37273), an Illinois property and casualty insurer licensed in all 50 states and the District of Columbia. Some products may be offered by AXIS companies not licensed in certain jurisdictions and therefore may be available only through licensed surplus lines brokers.